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Thankfully, the Sydney-based financial expert, Canna Campbell, is here to help.In a new video shared to her Sugar Mamma site, Ms Campbell explained the steps to paying off each and every one of your credit card debts - as well as her tips to becoming a 'financial superwoman'.In testing situations any expiry date within the next 3 years should work Feedback forces me to clarify this: These are NOT valid credit card numbers. They are random numbers that happen to conform to the MOD 10 algorithm.They are a technical resource for programmers – that’s all.These Terms also apply to in-store rentals and sales, which are part of the Services.By accessing or using any of the Services, you acknowledge that you have read, understood and agreed to be bound by these Terms. THESE TERMS MAY HAVE CHANGED SINCE YOU LAST ACCESSED OR USED THE SERVICES.You have reached the limit of 7 free articles every 30 days.To continue, sign up for a digital subscription at a special introductory rate of only 99¢ for the first month. If you're already a subscriber, click on Log in below. Sign up now for a digital only subscription to for only 99¢ for the first month.
For anyone with a fear of budgeting, Ms Campbell says you've got to get over it and draw one up next.'What is your cost of living? Instead, you should be paying off the person with the smallest amount of debt first - as this allows you to gain momentum and tick off various debts in the process.'Look at your list all the time - morning and night,' she says. According to the expert, Ms Campbell says that identifying your habits will allow you to become a 'financial superwoman'.
Before you ask no I haven't got anyone's credit card details.
Instead take a look at some of the amusing feedback I have received by e-mail.
Next, she said you've got to live off 'cold hard cash'.
Quit your credit card, pay solely with money - or use your ATM debit card in the worst of situations. * Make a list of everyone you owe money to and exactly how much, least to most.* Live off cash from this point on - either pay with money or your ATM debit card.* Set minimum repayment plans for each debt, even the smallest ones.* Draw up a budget to find out your cost of living.* Review the budget and go through each and every expense.* Find savings in your living expenses and pay off the top person on the list (the smallest amount) first.* Set up a separate savings account and put little bits of cash in it - this is your new financial security.* Be open to the lessons from your previous debt - what were the triggers for you getting into it in the first place? It's then important to 'set minimum repayment plans for each debt, even the smallest one'. Once you've got on top of this, find savings within your living expenses and pay off the top person on the list.